CAR 🚗 Insurance

10 secrets that Motor insurance provider won’t tell you

Due to dangerous driving conditions, it is Compulsory to have third party insurance for every vehicle riding on roads. It ensure overall safety of the people involved in roads. It mashup.

As we all know it is difficult to get the great deals for car insurance plan for your car insurance plan. Keeping your vehicle insurance premiums from increasing in the game that everyone wants to win but no buddy knows the rule.

Here are the 10 insurance secrets that helps you to save money 💰 on your car insurance premiums.

1. CAR 🚗 Model 

The model of your car will directly affect you cat insurance premium. Your car insurance provide will not tell you but there is ratting of your car of model and make of the car. Of you are planning to buy new car than keep this point in you mind 

2. Sincerity has its own perk

You might surprise 😮 to know that bad driver 😏 would have to pay 40% more on his 🚗 car insurance if he / she is at fault in case of accident.

On other hand if you are good driver than no needs to worry about it. You have very less chance to claim premium. When you don’t claim than you are rewarded with no claim bonus.

3. Comparison is the key

Before you finalize the car insurance compare with more than 3 companies. Do you research at your end , can also refer any friends or relative who have  car 🚗 they can suggest on behalf of their past experiences. Of service and term & conditions compare with car model insurance premiums may very with car model and make. Ensure that you real all insurance plan print it out and read it carefully.

4. Evaluate your voluntary deduction 

The voluntary deduction is the sum that insurance buyer is supposed to pay if there is an road mishap if voluntary deduction is zero than you get entire claim amount if there is an accident if your insurance is with voluntary deduction amount than insurance provider will pay after deduction of specific amount.

You voluntary deduction and insurance premiums are inverse relationship. The higher you volu6deduction the lower premium you get.

When there is voluntary deduction than carefully calculate consequences 

5. Installation of security Devices 

Installation of security devices can decrease you premium. Security device double propose when they are installed in automobile 🚘. Firstly it protects your vehicle from theft. Secondly it helps to decrease your insurance premium. Safety features like airbag and security alarm can determination your insurance premium.

6. Skip filing claims for small expenses 

If policy holder doesn’t file any claim during the year than he/she can get no claim bonus for not claiming during the year.

If you file any small charges or any minor repair than you will not be entitled to NCB  key is to analyse the amount of claim and repair charges if repair charges are high than it file it.

7. Keep you policy in active state

When your policy laps that means it inactive so you are not eligible for no claim bonus. An inactive policy intelligible for no claim bonus  so keep your policy active.

8. Expansive gadgets can hike your premium 

If you have expensive gadget in your car it may increase your car insurance premiums , apart from that if you had done any modification in your car like rear spoiler, Alloy wheel,  exterior modification It may also affect your insurance premium. Your car insurance provider will analyse you car , safety,  gadgets, driving style, customisation  tall this affect your insurance premium.

9. Road safety organization is the key

Having road safety organization member may  also beneficial in car insurance premium as a part of automobile 🚘association. He/she can get discount on car insurance premium.

10. Pay on Advance 

If you pay insurance in advance it may also benefit I  premium as it may vary by skims but there is always offers available for advance payment